Debts and Credit

Are there any time limits to cashing a certified check in Texas?
I was given a certified check by my brother in 2004, which I have not cashed. Are there any laws pertaining to time limits for cashing certified checks in Texas?
Where can I find a form to renew or extend a Note secured by a Deed of Trust?
I need to extend or renew a note secured by a deed of trust that became due 4-1-07. What is the correct form I need to use? And can I find this form on your website?
As a daycare owner how so I collect delinquent money owed by parents?
My spouse and I have a DayCare business. This is our first year and we already have clients that refuse to pay pass due monies for services rendered. How do we go about collecting, legally and quickly?
What can I do to collect on a dishonored check?
My son's father-in-law sold a vehicle for us. He took the buyers check to their bank and cashed it, he then wrote us a check from his business acct and it bounced. He told us he would get the money to us, but we are leary as to when if ever that will be. What can we do, the check was for $8000.00, our bank sent us a copy of the check that they tried running thru 2 times.
What can I do to remove a loan that I co-signed on that has not been paid accordingly?
I co-signed a loan for a bike at HSBC/YAMAHA for my son-in-law in 2004, and now I find out he missed payment in 2004. Now in 2007 it has messed my credit score up bad. I cant get anyone to talk to me even though I co-signed. What can I do?